STI 5,000 Milestone: Why Bank NIMs & SIAEC Revenue Matter (SGX Daily Pulse 20 Feb 2026) | 🦖 EP1436

The Investing Iguana

🟩 The STI has finally smashed through the 5,000 mark – and every kopitiam uncle, WhatsApp group and Telegram channel is screaming “buy now” as if this rally cannot fail. But if you are in your 40s, 50s or already in the retirement red zone, chasing headlines at all-time highs is exactly how you blow up a portfolio that is supposed to fund your golden years. When momentum runs this hot, one wrong move in banks, REITs or cyclicals can turn “passive income” into permanent capital loss.

In today’s forensic breakdown, Iggy walks through the real math behind the STI 5,000 breakout — from bank NIMs and CET1 buffers, to SIA Engineering’s MRO margins, Sri Trang’s net margin collapse, and United Hampshire US REIT’s 38.9% gearing. You will see how small shifts in interest rates, costs and cash flows can flip “safe” dividend names into silent traps, and why institutional desks are still pushing yield stories while ignoring balance sheet risk. If you are relying on dividends to pay for groceries, medical bills and your kopi money, this is the kind of guardrail audit you cannot afford to skip.

Read the full in-depth article with video at

YOUTUBE ➡️ https://youtu.be/bmPjx8uJaKc

SUBSTACK ➡️https://open.substack.com/pub/investingiguana/p/sti-5000-milestone-why-bank-nims?r=5enmf1&utm_campaign=post&utm_medium=web&showWelcomeOnShare=true

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If you are relying on dividends to pay for groceries, medical bills and your kopi money, this is the kind of guardrail audit you cannot afford to skip.</p>\n<p>Read the full in-depth article with video at</p>\n<p>YOUTUBE ➡️ https://youtu.be/bmPjx8uJaKc</p>\n<p>SUBSTACK ➡️https://open.substack.com/pub/investingiguana/p/sti-5000-milestone-why-bank-nims?r=5enmf1&amp;utm_campaign=post&amp;utm_medium=web&amp;showWelcomeOnShare=true</p></body></html>","htmlText":"<html><head></head><body><p></p>\n<p class=\"t-img-caption\"><img src=\"https://community-static.tradeup.com/news/a01f707c910fa1f51f5ca5f65580581a\" tg-width=\"1671\" tg-height=\"934\"></p>\n<p>🟩 The STI has finally smashed through the 5,000 mark – and every kopitiam uncle, WhatsApp group and Telegram channel is screaming “buy now” as if this rally cannot fail. 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In today’s forensic breakdown, Iggy walks through the real math behind the STI 5,000 breakout — from bank NIMs and CET1 buffers, to SIA Engineering’s MRO margins, Sri Trang’s net margin collapse, and United Hampshire US REIT’s 38.9% gearing. You will see how small shifts in interest rates, costs and cash flows can flip “safe” dividend names into silent traps, and why institutional desks are still pushing yield stories while ignoring balance sheet risk. If you are relying on dividends to pay for groceries, medical bills and your kopi money, this is the kind of guardrail audit you cannot afford to skip. 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